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Zopa: Credit card reviews

Name: Credit card
Rating: 4.86 (44353 reviews)

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4.86

Based on 44,353 reviews, last reviewed 20th Aug 2026

100% decrease in 5 star reviews

in the past 90 days

75% decrease in 1 star reviews

in the past 90 days

94%

Latest highest rating:

5

This is one of the reasons why I chose him. Compared with other banks' credit cards, there are very few credit cards without currency conversion fees at present! Reviewed on: 20th August 2026

Latest lowest rating:

1

Bad Zopa customer service The customer service provided is really bad. They promise 10business days to resolve for every reminder which is not fair as we won’t have enough wind... Read more Reviewed on: 17th August 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

Awards

Best banking app 2026

Awarded to the bank rated highest in customer reviews for their banking app.
Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (44353)

Review of the Zopa, Credit card:

Friendly reliable

One of the best cards to help your credit score Reviewed on: 11th April 2023

Great service

Great service and product. Very happy with everything. Reviewed on: 21st February 2023

Poor credit score/finances

Due to my poor credit score I struggled with finance. Zopa have really helped me through tough times. Reviewed on: 21st February 2023

Excellent

Excellent, never any issues. No issue with card and my credit limit was increased Reviewed on: 21st February 2023

Brilliant and swift seervice

From start to finish, the process of applying and receiving my credit card was easy and swift. Reviewed on: 21st February 2023

Outstanding Company

I am so grateful to Zopa for accepting me as a new credit card holder! Very good phone app they have and amazing customer service! I will keep my fingers crossed for them to win the Best Credit Card Company 2023 competition! Reviewed on: 21st February 2023

Brilliant straight forward company

Highly recommended company straight forward with what you have to pay and fair with credit limits Reviewed on: 21st February 2023

Helpfull

Always on hand to help you Friendly service Fast response Reviewed on: 21st February 2023

Brilliant card, easy to use

Such an easy process to apply, information clear and concise; with a very easy app to manage/pay. I cannot recommend highly enough Reviewed on: 21st February 2023

Credit card

Very nice and easily accessible for credit Reviewed on: 21st February 2023

Really helpful

Set up really straight forward and simple. Had a question upon opening account, and chat option was great, and resolved my query quickly. APP is also really straight forward, helpful and thought through. Option to pay by bank transfer, is so quick and easy, and haven't had this with other credit card. Made payments easier and don't have to wait 2 days for it to clear. Overall really enjoying it. Reviewed on: 21st February 2023

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